Dwelling

Dwelling Fire Coverage's for Franklin Mutual, Farmers Mutual Of Salem, and Cumberland Mutual Dwelling Property 1-2-3 below are used by Bay state-Merrimack, Preserver, Tower, Philadelphia Contributionship. Dwelling Property 1 Basic Form Dwelling Property 2 Broad Form Dwelling Property 3 Special Form Philadelphia Contributionship Dwelling Fire Supplemental Application

We sell policies for 1-4 family tenant occupied or 3 & 4 family owner occupied dwellings. The policy includes rental income, medical payments and premises liability. Note if you own a 3 or 4 family dwelling you need to purchase an ho-4 policy which will cover your personal liability in your owner occupied unit.

Personal property for your rental units can be purchased. Examples of personal property would be: tenants refrigerators, washers, dryers, and stoves that you own and supply for your tenants.

You may be able to save money by insuring your home and rental property with one company.

See coverage explanation charts below:

PART 3 – PERILS INSURED AGAINST & RELATED SPECIFIC EXCLUSIONS
SECTION 1 – PERILS INUSRED AGAINST

COVERAGES (A) & (B) We insure property covered under these agreements for direct physical loss not otherwise excluded, caused by the perils of loss described below or any other risks or direct physical loss.

COVERAGE C – We insure property covered under this agreement for direct physical loss, not otherwise excluded, caused by the perils of loss described below.

The following are included in DP1 Coverage (Basic)

1. Fire (hostile fire) & Lightning
2. Windstorm & hail
3. Explosion
4. Riot or Civil Commotion
5. Vehicles or Aircraft
6. Smoke, sudden accidental damage from smoke.
7. Vandalism: malicious damage to property, including such damage caused by burglars.

The Following coverages are Excluded from coverage under the DP1 Form
DP 2 INCLUDES ITEMS 1–10 (Broad)

8. Bursting of Fixtures: sudden accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, or air conditioning system, or a home water heating appliance.
9. Collapse: the collapsing of a building or structural part of a building.
10. Electricity: sudden accidental damage from an electrical current.
11. Falling Objects: damage to other property caused by falling objects.
12. Freezing: the freeing of a home appliance, or plumbing, heating, or air conditioning system.
13. Water Damage: damage from the accidental discharge or overflow of water or steam from within a home appliance, or plumbing, heating or air conditioning system other than damage caused by freezing.
14. Weight of Ice, sleet, or snow: damage to property within a building caused by the weight of ice, sleet, or snow.

PERILS	DP – 1 (Basic Form)	DP – 2 (Broad Form)	DP – 3 (Special Form)
1. Fire, lightning, windstorm, internal explosion	Yes	Yes	Yes
2. Windstorm or hail, explosion (excluding explosion of boilers or steam pipes owned by the insured), riot or civil commotion, aircraft, vehicle damage, smoke damage	No (available by addition of the extra coverage endorsement)	Yes	Yes
3. Vandalism or malicious mischief	No (available by endorsement but only if the extra coverage endorsement is added as well)	Yes, except if dwg has been vacant for over 30 days.
4. Breakage of glass or safety glazing material (only if part of a building, storm door or storm window)	No	No	Yes
5. Damage caused by burglars	No	Yes	Yes
6. Falling objects	No	Yes	Yes
7. Weight of ice, snow, or sleet	No	Yes, except for an awning, fence, patio, pavement, swimming pool, foundation, retaining wall, bulkhead, pier, wharf or dock.
8. Accidental discharge or overflow of water or steam from a plumbing, heating, or air conditioning system	No	Yes, except caused by continual leakage or freezing
9. Sudden or accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system.	No	Yes, except caused by freezing	Yes
10. Freezing of a plumbing, heating, or air conditioning	No	Yes, except when dwelling has been vacant over 30 days
11. Artificially generated electric current	No	Yes	Yes
12. Flood	No	No	No
13. Off Premises Contents	No	No	Yes
RECOVERY AND VALUATION	ACV	Dwelling – Replacement cost Contents- ACV

This document presents a general description of coverages consult the policy for exact terms and conditions.

 
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